CORE Insurance

CORE takes shingle roofs up to 20 years old and tile or metal roofs up to 40 years old. A rolled roof can be up to 10 years old.

Every roof needs at least 5 more years of life left. A roof with more than one layer of shingles, or a patched roof, is not eligible.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Roof Age: • Rolled Roof: 10 years or less • Shingles: 20 years or less • Tile or Metal: 40 years or less • All Roofs: Life expectancy of 5+ years

CORE covers single-family homes and detached condos where the owner lives. The house itself can be insured for $200,000 up to $1.2 million. Anything over $1 million gets an extra review.

Rentals, short-term rentals, mobile homes, villas, townhomes, and homes for sale are not eligible. Neither are homes on more than 5 acres or homes empty for 9 months or more.

Homes near the coast are welcome. A home on a barrier island needs a road to the mainland and gets a closer look.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Property: • Single Family Homes - Owner Occupied • Detached Condominiums • Year Built: 1900 and newer

The home must be built in 1900 or later. If it is more than 35 years old, you need a 4-point inspection done in the last 3 years. A 4-point inspection checks the roof, wiring, plumbing, and heating and cooling.

If the home is more than 50 years old, its wiring, heating, and plumbing must have been updated in the last 35 years. You need papers that prove it, and a licensed pro must have done or approved the work.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Properties over 50 years old: Wiring, heating & plumbing must have been updated within the past 35 years with documented proof of updates. The updates must be completed or approved by licensed professional

If your home has gone 30 days or more without insurance, CORE will say no. A shorter gap gets a closer look and may cost extra.

This counts for new buyers too. Your home needs to have been insured with no break since the day you closed.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Lapses 30 day + are ineligible. Any lapse less than 30 days is subject to UW review and a surcharge may be applied *This includes new purchases without continuous coverage since closing

Homes with any loss in the past 3 years are not eligible. Storm losses get a closer look instead of an automatic no.

You must list every past claim when you ask for a quote.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Applicants with any losses within the past 3 years (Acts of God subject to UW review)

Some old wiring rules a home out. That means a fuse box, live knob-and-tube wiring, or aluminum wiring. Power service under 100 amps does too.

Some old pipes count as well: galvanized steel, polybutylene, or cast iron. So does a space heater or open flame used as the main heat.

CORE "Quick Reference Guide – FL HO-3," v10.01.26 Properties with fuses, active "knob & tube", aluminum wiring or with electrical service less than 100 amps are ineligible

CORE says its water damage coverage has no smaller cap inside the policy, no matter how old the home is. That is a plus, since many Florida policies limit water claims.

Screen rooms and carports attached to the house are covered up to the house limit. Roof claims are paid at the cost to replace the roof. Claims are still checked one by one, and the policy language controls.

CORE "Agent Social Media Post 2" and "Quick Reference Guide – FL HO-3," v10.01.26 Full water coverage with no water sublimit at any year built • Attached screen enclosures and carports covered under the dwelling limit • Replacement cost roof coverage • Subject to claims review.